Cluster Manager - HDFC Branch Banking - Kangra

Job purposeThis role is focused on generating insurance business through an assigned relationship or channel partner base within a defined area or zone. The incumbent will work to influence the partner network so that they can recommend Birla Sun Life Insurance products to their customers. The position also involves delivering end-to-end pre-sales and post-sales support to both the channel partner and its customers, along with the dedicated team attached to the relationship. A key expectation is to not only meet business targets but also sustain quarter-on-quarter growth.Job context and major challengesThe role operates in a relationship-led sales environment where business must be built through HDFC branch banking channels and partner alignment is critical.The business is exposed to market fluctuations, especially because the company largely sells unit-linked insurance products.There is significant dependence on the HDFC Branch Banking model within an open architecture setup, where the bank may prioritize its own agenda, making coordination essential.The role requires balancing internal process requirements with the expectations of channel partners.Key result areasAchieve targets for premium and revenue in order to support overall company growth.Maintain regular engagement with channel partners, including multiple branch heads within the bank.Map all key decision-makers and share the information with RH and ZH.Promote all organization-led R&R initiatives actively.Design fresh branch-level activities that help improve customer penetration.Ensure smooth execution of sales and related processes to maximize business potential.Communicate changes in processes, policies, rules, or regulations through suitable training modules.Ensure that sales calls, policy issuance, and complaint resolution happen without operational blockers.Manage relationships in an open-architecture bank-led environment to serve customer needs with the right products and service experience.Stay updated on insurance offerings as well as bank products.Handle relationships across all levels to drive the desired outcomes.Develop new business within the assigned territory and relationship base to improve productivity and topline performance.Find innovative ways to deepen penetration within the relationship database.Focus on FLS review mechanisms to achieve 40% activation with 2 cases and an active book at 50K ATS.Maintain the intended product mix: Traditional 50%, ULIP 40%, and Term 10%.Drive 15% more business than TATA.Share inputs for new products and sales pitches based on a strong understanding of channel requirements.Identify training needs for both in-house teams and channel-partner teams.Use the right business acquisition approach to deliver a profitable mix for the organization.Review business on a regular basis and escalate relevant insights to superiors.Engage customers through welcome calls.Support persistency goals in line with company standards so renewals are completed on time.Stay in touch with customers and resolve queries promptly to help ensure timely renewals.EligibilityOpen to candidates who can manage sales partnerships, bank-channel relationships, customer servicing, and territory-based business growth in the insurance domain.Additional informationNo stipend or salary figure was specified in the source. The role is full-time and based onsite in Himachal Pradesh, India.